Evaluate Your Homeowners Insurance Coverage in 3 Steps

11/22/2013

Homeowners insurance is an absolute must for anyone who values the protection of their home and belongings. When was the last time you looked at your homeowners insurance policy? If it’s been awhile, it may be time to re-visit your policy to ensure you have the proper coverage. Ask yourself the following questions to evaluate your insurance coverage needs. 

What is your deductible? 

When first choosing a homeowners insurance policy, many homeowners are struggling with loan debt and opt for policies with high deductibles that provide lower monthly payments. If something were to happen to your home tomorrow, would you be able to afford the deductible? 

What does your policy cover? 

Not all insurance policies are alike. Some insurance companies provide greater coverage than others. Comb through your policy to discover what exactly it covers and whether you may need more or less coverage. 

Has the value of your home changed?

If the value of your home has increased or decreased, it’s generally a good time to look at your policy to ensure it still provides adequate coverage. 

Do you have questions about your homeowners insurance coverage? Contact Terrie Ball now at (423) 748-7352 to get the ball rolling!

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